Developing legal instruments is one of AMLA’s core tasks to promote convergence and consistency of the EU’s AML/CFT framework within all EU Member States.
These include Regulatory Technical Standards (RTS), Implementing Technical Standards (ITS) Guidelines (GL) and Recommendations (REC), which specify and clarify requirements, support supervisory convergence and ensure consistent implementation across the EU.
This page provides an overview of the policy mandates assigned to AMLA and tracks the Authority’s work on the development of these regulatory instruments.
Please note that this overview is not exhaustive. It will be regularly updated and expanded as AMLA progresses with its mandates.
Last update: 16 December 2025
Instruments under consultation / consultations closed
| Type | Legal Basis | Mandate | Status |
|---|---|---|---|
| ITS | AMLAR 15(3) | Draft Implementing Technical Standards on cooperation within the AML/CFT supervisory system for the purposes of direct supervision. | Consultation launched |
| RTS | AMLD 40(2) | Draft Regulatory Technical Standards on the assessment of the inherent and residual risk profile of obliged entities. | Final report published |
| RTS | AMLAR 12(7) | Draft Regulatory Technical Standards on the risk assessment for the purpose of selecting credit institutions, financial institutions and groups of credit and financial institutions for direct supervision. | Final report published |
EBA / EC applicable instruments
Certain guidelines issued by the European Banking Authority (EBA) and listed below continue to apply until AMLA's new regulatory instruments on the same subject enter into force (Art. 54(5) AMLAR). The list below also details the applicable Technical Standards that remain in effect.
To access all documents related to each instrument, please follow the links provided.
| Type | Legal basis | Mandate | Links |
|---|---|---|---|
| RTS | AMLD V Art. 45(6) | Draft joint RTS on the measures credit institutions and financial institutions shall take to mitigate the risk of ML/TF where a third country’s law does not permit the application of group-wide policies and procedures. | EBA |
| Commission Delegated Regulation (EU) 2019/758 of 31 January 2019 supplementing Directive (EU) 2015/849 with regard to regulatory technical standards for the minimum action and the type of additional measures credit and financial institutions must take to mitigate money laundering and terrorist financing risk in certain third countries (Text with EEA relevance.) | EurLex | ||
| RTS | AMLD V Art. 45(9) | Draft joint RTS on the criteria for determining the circumstances in which the appointment of a central contact point pursuant to Article 45(9) of Directive (EU) 2015/849 is appropriate and the functions of the central contact point - NB: latest amendment of 2025 not yet published in OJ. | EBA |
| Commission Delegated Regulation (EU) 2018/1108 of 7 May 2018 supplementing Directive (EU) 2015/849 with regulatory technical standards on the criteria for the appointment of central contact points for electronic money issuers and payment service providers and with rules on their functions (Text with EEA relevance.) | EurLex | ||
| Draft RTS amending the regulatory technical standards laid down in Delegated Regulation (EU) 2018/1108 as regards the criteria for the appointment of central contact points for electronic money issuers and payment service providers and with rules on their functions. | EBA | ||
| Commission Delegated Regulation (EU) that shall adopt the draft RTS amending the Delegated Regulation (EU) 2018/1108 - has not been published yet in the Official Journal of the European Union. | To be adopted by the Commission and published in the OJEU | ||
| RTS | EBA Regulation Art. 9a(1) and 9a(3) | Draft RTS on a central database on AML/CFT in the EU. | EBA |
| Commission Delegated Regulation (EU) 2024/595 of 9 November 2023 supplementing Regulation (EU) No 1093/2010 with regard to regulatory technical standards specifying the materiality of weaknesses, the type of information collected, the practical implementation of the information collection and the analysis and dissemination of the information contained in the anti-money laundering and counter terrorist financing (AML/CFT) central database referred to in Article 9a(2) of that Regulation. | EurLex | ||
| GL | AMLD V Art. 17; Art. 18(4) | Guidelines on CDD and the factors credit and financial institutions should consider when assessing the ML/TF risk associated with individual business relationships and occasional transactions (‘The ML/TF Risk Factors Guidelines’). | EBA |
| Guidelines amending Guidelines EBA/2021/02 on CDD diligence and the factors credit and financial institutions should consider when assessing the money laundering and terrorist financing risk associated with individual business relationships and occasional transactions (‘The ML/TF Risk Factors Guidelines’) under Articles 17 and 18(4) of Directive (EU) 2015/849. | EBA | ||
| GL | AMLD V Art. 13(1) | Guidelines on the use of Remote Customer Onboarding Solutions under Article 13(1) of Directive (EU) 2015/849. | EBA |
| GL | TFR Art. 23 | Guidelines on internal policies, procedures and controls to ensure the implementation of Union and national restrictive measures. | EBA |
| GL | TFR Art. 36; Art. 19a(2) of the AMLD V | Guidelines on information requirements in relation to transfers of funds and certain crypto-assets transfers under Regulation (EU) 2023/1113 (‘Travel Rule Guidelines’) | EBA |
| GL | AMLD V Art. 8; Chapter VI | Guidelines on policies and procedures in relation to compliance management and the role and responsibilities of the AML/CFT Compliance Officer. | EBA |
| GL | EBA Regulation Art. 16 | Guidelines on policies and controls for the effective management of ML/TF risks when providing access to financial services (i.e. de-risking GL). | EBA |
| GL | AMLD V Art. 48(10) | Guidelines on the characteristics of a risk-based approach to AML/CFT supervision, and the steps to be taken when conducting supervision on a risk-sensitive basis (i.e., risk based supervision GL). | EBA |
| GL | EBA Regulation, ESMA Regulation, EIOPA Regulation, Art. 16 & Art. 56, first subparagraph | Joint guidelines on cooperation and information exchange for the purpose of Directive (EU) 2015/849 between competent authorities supervising credit and financial institutions (i.e., 'The AML/CFT Colleges Guidelines'). | EBA |
AMLAR: Regulation (EU) 2024/1620
AMLR: Regulation (EU) 2024/1624
AMLD: Directive (EU) 2024/1640
AMLD V: Directive (EU) 2015/849
TFR: Regulation (EU) 2023/1113
EBA Regulation: Regulation (EU) No 1093/2010
ESMA Regulation: Regulation (EU) No 1095/2010
EIOPA Regulation: Regulation (EU) No 1094/2010